doctor financing programs

Your Practice. Our Promise.
Financing Options That Fit Your Needs.First Working Capital understands that your financing needs change through all phases of your dental career. Whether starting out on your own for the first time, joining an existing practice, or preparing to expand or renovate your practice, we have customizable financing options available.
The First Working Capital Advantage
STARTING A NEW PRACTICE:
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Up to $600,000 for Financing to Start a New Practice with Repayment Terms up to
10 Years - Flexible Payment Schedules, Including First Year Interest Only, to Give the Practice Time to Get Established
PURCHASING AN EXISTING PRACTICE:
- Up to $1,000,000 for Financing the Purchase of an Existing Practice with Repayment Terms up to 10 Years
BUYING INTO AN EXISTING PRACTICE:
- Up to $1,000,000 to Become a Partner in an Existing Practice with Repayment Terms up to 10 Years
PRACTICE REFINANCING:
- Refinance the Remaining Term on Initial Practice Financing up to 10 Years
LEASEHOLD IMPROVEMENTS
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Provide Financing For Your practice to Expand and/or Renovate Your
Existing Facility
EQUIPMENT PURCHASES:
- Up to 100% Financing with Flexible Loan or Lease Repayment Terms up to 10 Years
REAL ESTATE FINANCING:
- We Have a Full Range of Real Estate Financing Available
Solutions Tailored To Your Practice.
We Welcome The Opportunity To Learn About Your Practice’s Unique Needs And Develop A Tailored Financing Solution To Meet Them. It’s Another Way We Put Your Practice First.
Medical Equipment Financing
Maintain your competitive edge by investing in the latest technology for your practice. We offer
flexible financing for the equipment your practice needs while understanding your cash flow.
- 100% Financing, Plus Soft Costs
- Preserve Capital and Lines of Credit
- Rates and Payments May be Less Than Traditional Financing
- No Prepayment Penalty

Doctor Financing Programs
Business 50k-100k Line Of Credit
- 600+ FICO Credit Score
- No UCC Filing 100k or Less
- Rates Are Prime to Prime+2. Currently 3.5% to 5.5%
- $50k to $100k – Easy Application Process
- $100k to $1MM - Requires Full Documentation
- Approval 7-10 Business Days
Equipment Leasing and Refinance
- 600+ FICO Approved
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$50k - 36 Months / $50k-$100k - 60 Months /
$100k-$250k Up To 10 years - $250k or Less – Easy Application Process
- Rates as Low as 2%
- $250k+ Creative Financing Available
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Refinancing
- 5 Years Old or Less – Improve Rate and Term
- Over 5 years Old Needs Appraisal
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Sale Lease Back / Original Invoice / Clear Title
- 100k Plus
Term Loan
- 2-5 Years
- $50k-$500k Depending on Cash Flow
- 620+ FICO Approved
- No Bankruptcy for 1 Year
- 3 Years Tax Return
- No Consecutive Losses
- 50 States
- 6-18% Interest Depending on Credit
- 7-30 Days for Approval
One Year Merchant Loan
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Asset Statement: Bank Statement / Credit Card Processing /
Medical Billing - Factor Rates as Low as 1.19% - 620+ FICO Approved
- 500+ FICO Approved
Small Equipment Lease
- 10k-250k Leases
- 2 to 10 Year Terms
- 500+ FICO Approved